UPDATED: Jun 24, 2020
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
- Full coverage costs around $1,492 a year or $124 each month
- A liability-only policy costs around $599 a year or $50 each month
- Highest rates are for teenage drivers at around $5,453 a year or $454 each month
- Good drivers can save as much as $615 a year by earning policy discounts
- Ford Fusion insurance costs around $27 less per year than the average vehicle
Finding reasonable Ford Fusion insurance rates doesn’t have to be hard. Full coverage for a Ford Fusion costs around $1,492 a year or $124 each month. Our comprehensive guide explains the factors that go into average rates for a Ford Fusion, so you can better understand what you should be paying for Ford Fusion insurance.
You can start comparing quotes for Ford Fusion car insurance rates from some of the best car insurance companies by using our free online tool now.
Ford Fusion Insurance Cost
The average Ford Fusion auto insurance rates are $1,492 a year or $124 a month.
Are Ford Fusions Expensive to Insure?
The chart below details how Ford Fusion insurance rates compare to other sedans like the Audi A3, Nissan Altima, and Subaru WRX.
However, there are a few things you can do to find the cheapest Ford insurance rates online.
What Impacts the Cost of Ford Fusion Insurance?
The Ford Fusion trim and model you choose can impact the total price you will pay for Ford Fusion insurance coverage.
Age of the Vehicle
Older Ford Fusion models generally cost less to insure. For example, auto insurance for a 2020 Ford Fusion costs $1,492, while 2010 Ford Fusion insurance costs are $1,202, a difference of $290.
|2020 Ford Fusion||$336||$626||$372||$1,492|
|2019 Ford Fusion||$320||$600||$390||$1,468|
|2018 Ford Fusion||$306||$596||$398||$1,458|
|2017 Ford Fusion||$296||$582||$416||$1,452|
|2016 Ford Fusion||$286||$558||$430||$1,432|
|2015 Ford Fusion||$270||$538||$442||$1,408|
|2014 Ford Fusion||$260||$500||$452||$1,370|
|2013 Ford Fusion||$250||$470||$456||$1,334|
|2012 Ford Fusion||$240||$422||$460||$1,280|
|2011 Ford Fusion||$224||$388||$460||$1,230|
|2010 Ford Fusion||$216||$364||$464||$1,202|
Driver age can have a significant effect on Ford Fusion car insurance rates. For example, 30-year-old drivers pay $66 more for Ford Fusion car insurance than 40-year-old drivers.
Where you live can have a large impact on Ford Fusion insurance rates. For example, drivers in Houston may pay $1,100 a year more than drivers in Columbus.
Your Driving Record
Your driving record can have an impact on your Ford Fusion auto insurance rates. Teens and drivers in their 20’s see the highest jump in their Ford Fusion car insurance with violations on their driving record.
Ford Fusion Safety Ratings
Your Ford Fusion auto insurance rates are tied to the Ford Fusion’s safety ratings. See the breakdown below:
|Small overlap front: driver-side||Good|
|Small overlap front: passenger-side||Good|
|Moderate overlap front||Good|
|Head restraints and seats||Not Tested|
|Source: Insurance Institute for Highway Safety|
Ford Fusion Crash Test Ratings
Ford Fusion crash test ratings can impact your Ford Fusion car insurance rates. See Ford Fusion crash test results below:
|2020 Ford Fusion HEV 4 DR FWD||5 stars||4 stars||5 stars||4 stars|
|2020 Ford Fusion Energi 4 DR FWD||N/R||N/R||N/R||4 stars|
|2020 Ford Fusion 4 DR FWD||5 stars||4 stars||5 stars||4 stars|
|2020 Ford Fusion 4 DR AWD||5 stars||4 stars||5 stars||4 stars|
|2019 Ford Fusion Hybrid 4 DR FWD||5 stars||4 stars||5 stars||4 stars|
|2019 Ford Fusion Energi 4 DR FWD||N/R||N/R||N/R||4 stars|
|2019 Ford Fusion 4 DR FWD||5 stars||4 stars||5 stars||4 stars|
|2019 Ford Fusion 4 DR AWD||5 stars||4 stars||5 stars||4 stars|
|2018 Ford Fusion Hybrid 4 DR FWD||5 stars||4 stars||5 stars||4 stars|
|2018 Ford Fusion Energi 4 DR FWD||N/R||N/R||N/R||4 stars|
|2018 Ford Fusion 4 DR FWD||5 stars||4 stars||5 stars||4 stars|
|2018 Ford Fusion 4 DR AWD||5 stars||4 stars||5 stars||4 stars|
|2017 Ford Fusion Hybrid 4 DR FWD||5 stars||4 stars||5 stars||4 stars|
|2017 Ford Fusion Energi 4 DR FWD||N/R||N/R||N/R||4 stars|
|2017 Ford Fusion 4 DR FWD||5 stars||4 stars||5 stars||4 stars|
|2017 Ford Fusion 4 DR AWD||5 stars||4 stars||5 stars||4 stars|
|2016 Ford Fusion Hybrid 4 DR FWD||5 stars||5 stars||4 stars||4 stars|
|2016 Ford Fusion Energi 4 DR FWD||5 stars||5 stars||5 stars||4 stars|
|2016 Ford Fusion 4 DR FWD||5 stars||5 stars||4 stars||4 stars|
|2016 Ford Fusion 4 DR AWD||5 stars||5 stars||4 stars||4 stars|
|1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration|
Ford Fusion Safety Features
Ford Fusion safety features can lower the cost of your insurance. The safety features for the 2020 Ford Fusion include:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Traction Control
- Blind Spot Monitor
- Lane Departure Warning
- Lane Keeping Assist
- Cross-Traffic Alert
Ford Fusion Insurance Loss Probability
The lower percentage means lower Ford Fusion auto insurance rates; higher percentages mean higher Ford Fusion car insurance rates. The Ford Fusion’s insurance loss probability varies for each form of coverage.
|Insurance Coverage Category||Loss Rate|
|Source: Insurance Institute for Highway Safety|
Ford Fusion Finance and Insurance Cost
If you are financing a Ford Fusion, you will pay more if you purchase Ford Fusion auto insurance at the dealership, so be sure to shop around and compare Ford Fusion auto insurance quotes from the best companies using our FREE tool below.
Ways to Save on Ford Fusion Insurance
Although it may seem like your Ford Fusion car insurance rates are set, there are a few measures that you can take to secure the best Ford Fusion car insurance rates possible. Take a look at the following five ways to save on Ford Fusion auto insurance.
- Tell Your Insurer How You Use Your Ford Fusion
- Ask About Farm and Ranch Vehicle Discounts
- Buy An Older Ford Fusion
- Choose a Ford Fusion with Cheaper Repair Costs
- Don’t Skimp On Ford Fusion Liability Coverage
Top Ford Fusion Insurance Companies
The best auto insurance companies for Ford Fusion car insurance rates will offer competitive rates, discounts, and account for the Ford Fusion’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.
|Source: Insurance Information Institute|
Compare Free Ford Fusion Insurance Quotes Online
You can start comparing quotes for Ford Fusion insurance from some of the top car insurance companies by using our free online tool today.